    
function d = DeltaCE(a,Wio,Ppaid_N,iX,rho,Nstates,MU,CAPH,T,tolFP,maxreps)

    gamma = normcdf(a)/100;
    CE_PHI_all =Welfare_4(Wio,Ppaid_N,0,gamma,iX,rho,Nstates);
    CE_HHW_all =CE_HHW(Wio,iX,MU,CAPH,Nstates,rho,T,tolFP,maxreps,gamma);
    d = -(CE_HHW_all-CE_PHI_all)/CE_HHW_all;
    
end